Lyons Federal Bank is a savings bank headquartered in Lyons, Kansas, in business for about 113 years. At the end of Q2 2026 it reported $197.6M in total assets and $166.7M in deposits, with 4 offices.
Lyons Federal Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 73rd. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (62/100, 1.06%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 85 |
| Q4 2024 | 81 |
| Q1 2025 | 76 |
| Q2 2025 | 80 |
| Q3 2025 | 82 |
| Q4 2025 | 82 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.17% |
| Q3 2024 | 14.46% |
| Q4 2024 | 12.36% |
| Q1 2025 | 12.58% |
| Q2 2025 | 12.71% |
| Q3 2025 | 12.86% |
| Q4 2025 | 12.50% |
| Q1 2026 | 12.66% |
| Q2 2026 | 12.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.18% |
| Q1 2025 | 0.62% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $197.6M | 12.70% | 0.23% | 1.06% | 86.4% |
| Q1 2026 | 78 | $190.5M | 12.66% | 0.23% | 1.08% | 87.2% |
| Q4 2025 | 82 | $199.2M | 12.50% | 0.10% | 1.35% | 77.5% |
| Q3 2025 | 82 | $178.9M | 12.86% | 0.07% | 1.24% | 86.5% |
| Q2 2025 | 80 | $178.5M | 12.71% | 0.06% | 1.13% | 87.7% |
| Q1 2025 | 76 | $173.2M | 12.58% | 0.08% | 0.62% | 85.8% |
| Q4 2024 | 81 | $182.0M | 12.36% | 0.15% | 1.18% | 76.4% |
| Q3 2024 | 85 | $162.6M | 14.46% | 0.15% | 1.13% | 88.7% |
| Q2 2024 | 82 | $164.5M | 14.17% | 0.30% | 1.04% | 84.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Fidelity State Bank and Trust CompanyBank Dodge City, KS | 95 out of 100, Very strong | $194.8M | 23.6% | 0.31% | vs |
| The Valley State BankBank Belle Plaine, KS | 78 out of 100, Strong | $200.5M | 12.2% | 0.09% | vs |
| The First National Bank of LouisburgBank Louisburg, KS | 81 out of 100, Strong | $201.3M | 10.9% | 0.00% | vs |
| Garden Plain State BankBank Wichita, KS | 88 out of 100, Very strong | $191.5M | 15.2% | 0.94% | vs |
| Citizens Federal Savings BankBank Leavenworth, KS | 80 out of 100, Strong | $190.1M | 20.1% | 0.15% | vs |
| Halstead BankBank Halstead, KS | 69 out of 100, Moderate | $205.9M | 8.6% | 0.29% | vs |
Deposit insurance
Is my money safe at Lyons Federal Bank?
Yes. Lyons Federal Bank is an FDIC-insured institution (FDIC certificate #27727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.9% of deposits ($39.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Lyons Federal Bank lists 4 offices in 4 cities. Most locations:
- Bushton, KS (1)
- Ellsworth, KS (1)
- Lyons, KS (1)
- Wakeeney, KS (1)
Identity & history
Profile
- Legal name
- Lyons Federal Bank
- Former names
- Lyons Savings and Loan Association; Lyons Federal Savings Association; The Lyons Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 27727
- RSSD ID
- 901974
- Primary regulator
- OCC
- Established
- January 1, 1913
- Headquarters
- 200 East Ave S, Lyons, KS 67554
- Website
- www.lyonsfed.com
- Employees
- 30
Quick answers
Lyons Federal Bank: common questions
Is Lyons Federal Bank FDIC insured?
Yes. Lyons Federal Bank is an FDIC-insured institution (FDIC certificate #27727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Lyons Federal Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Lyons Federal Bank ever failed?
There is no failure record for FDIC certificate #27727 in the FDIC failed bank list.
How many branches does Lyons Federal Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lyons
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dillon Credit UnionCredit union Hutchinson, KS | 82 out of 100, Strong | $79.8M | 14.0% | 1.11% | vs |
| First Bank KansasBank Salina, KS | 79 out of 100, Strong | $618.5M | 8.8% | 0.04% | vs |
| The First National Bank of HutchinsonBank Hutchinson, KS | 78 out of 100, Strong | $1.2B | 11.5% | 0.33% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| First Kansas BankBank Hoisington, KS | 74 out of 100, Strong | $294.4M | 8.3% | 0.00% | vs |
| Envista Federal Credit UnionCredit union Topeka, KS | 72 out of 100, Strong | $693.4M | 10.8% | 0.31% | vs |